Orrick Partner Edward Somers joins Jerry Buckley and Sherry Safchuk for a conversation about the regulatory frameworks affecting electronic records and signatures for the origination and servicing of financial products. The group outlines the evolving relevance and interplay of the laws facilitating electronic transactions – including the Uniform Electronic Transactions Act (UETA), the federal E-Sign Act and various state laws – as well as the growing regulatory scrutiny of “dark patterns” in website and mobile app designs by the CFPB and FTC. The episode closes with a discussion about the potential for AI tools to improve consumer experiences and enhance understanding of financial products and transactions.